Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692e, provides, in part, as follows:
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:
"(14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization."
Dear [Debt Collector's Name], I am writing to bring to your attention some concerning information regarding the collection activities conducted by your agency under the name [False Business Name]. It has come to my attention that this business name does not accurately represent the true identity of your debt collection agency in Fulton, Georgia. This letter serves as a formal notice to inform you of the false or misleading misrepresentations being made during your collection efforts. Upon conducting my own research and verification, I found that your debt collection agency operates under a different legal name, which is required to be disclosed to consumers under the Fair Debt Collection Practices Act (FD CPA). Namely, your true business name is [True Business Name]. It is evident that using a business name other than your true name may mislead and confuse consumers, potentially violating their rights in accordance with the FD CPA. I must emphasize the serious ethical and legal implications associated with such misrepresentations. The use of a different business name creates an impression that the demand for payment is being made by an entity other than the true creditor, which can potentially cause confusion and distress to consumers. Additionally, your collection activities may appear deceptive, undermining the trust and transparency required by law. Given these concerns, I hereby request that you immediately cease using the false business name [False Business Name] in all future collection activities related to my account or any other consumer's account. I expect prompt remedial action to rectify this misleading representation. Furthermore, I request clarification as to why your agency chose to engage in such practices and how you plan to address this issue going forward. It is imperative that your future collection activities comply fully with the laws outlined in the FD CPA and relevant state regulations. Any continued misrepresentation, use of false business names, or deceptive practices may result in legal action being taken against your agency, including formally reporting these actions to the appropriate regulatory authorities. I trust that you will address this matter urgently, to ensure compliance with the law and to maintain the integrity of your debt collection practices. I expect a written response within [reasonable timeframe, e.g., 30 days] confirming that you have taken appropriate measures to rectify the situation and prevent the recurrence of such misrepresentations. Thank you for your immediate attention to this matter. Failure to rectify this situation promptly may result in further legal action being pursued. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]Dear [Debt Collector's Name], I am writing to bring to your attention some concerning information regarding the collection activities conducted by your agency under the name [False Business Name]. It has come to my attention that this business name does not accurately represent the true identity of your debt collection agency in Fulton, Georgia. This letter serves as a formal notice to inform you of the false or misleading misrepresentations being made during your collection efforts. Upon conducting my own research and verification, I found that your debt collection agency operates under a different legal name, which is required to be disclosed to consumers under the Fair Debt Collection Practices Act (FD CPA). Namely, your true business name is [True Business Name]. It is evident that using a business name other than your true name may mislead and confuse consumers, potentially violating their rights in accordance with the FD CPA. I must emphasize the serious ethical and legal implications associated with such misrepresentations. The use of a different business name creates an impression that the demand for payment is being made by an entity other than the true creditor, which can potentially cause confusion and distress to consumers. Additionally, your collection activities may appear deceptive, undermining the trust and transparency required by law. Given these concerns, I hereby request that you immediately cease using the false business name [False Business Name] in all future collection activities related to my account or any other consumer's account. I expect prompt remedial action to rectify this misleading representation. Furthermore, I request clarification as to why your agency chose to engage in such practices and how you plan to address this issue going forward. It is imperative that your future collection activities comply fully with the laws outlined in the FD CPA and relevant state regulations. Any continued misrepresentation, use of false business names, or deceptive practices may result in legal action being taken against your agency, including formally reporting these actions to the appropriate regulatory authorities. I trust that you will address this matter urgently, to ensure compliance with the law and to maintain the integrity of your debt collection practices. I expect a written response within [reasonable timeframe, e.g., 30 days] confirming that you have taken appropriate measures to rectify the situation and prevent the recurrence of such misrepresentations. Thank you for your immediate attention to this matter. Failure to rectify this situation promptly may result in further legal action being pursued. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.
